Qfin/$QFIN
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Capital at risk
About Qfin
Qfin Holdings Inc is engaged in matching individual borrowers with credit demand to a diversified pool of financial institutions with credit to supply through a financial technology platform. It has released large-scale financial credit multimodal benchmark, building a critical bridge between credit AI research and real-world applications.
- Ticker
- $QFIN
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 3,557
- Headquarters
- Shanghai, China
- Website
- www.qfin.com
Qfin Metrics
BasicAdvanced
$692M
1.30
$4.39
0.62
$1.22
15.82%
Price and volume
Market cap
$692M
Beta
0.62
52-week high
$27.59
52-week low
$5.57
Average daily volume
2M
Dividend rate
$1.22
Financial strength
Current ratio
2.169
Quick ratio
0.373
Long term debt to equity
0.055
Total debt to equity
0.143
Dividend payout ratio (TTM)
36.80%
Profitability
EBITDA (TTM)
892.654
Gross margin (TTM)
52.89%
Net profit margin (TTM)
22.32%
Operating margin (TTM)
35.23%
Effective tax rate (TTM)
28.51%
Revenue per employee (TTM)
$705,210
Management effectiveness
Return on assets (TTM)
6.55%
Return on equity (TTM)
15.26%
Valuation
Price to earnings (TTM)
1.297
Price to revenue (TTM)
0.286
Price to book
0.03
Price to tangible book (TTM)
0.03
Price to free cash flow (TTM)
0.557
Free cash flow yield (TTM)
179.48%
Free cash flow per share (TTM)
10.213
Dividend yield (TTM)
21.44%
Forward dividend yield
15.82%
Growth
Revenue change (TTM)
-10.58%
Earnings per share change (TTM)
-41.96%
3-year revenue growth (CAGR)
2.53%
3-year earnings per share growth (CAGR)
7.22%
3-year dividend per share growth (CAGR)
33.26%
What the Analysts think about Qfin
Analyst ratings (Buy, Hold, Sell) for Qfin stock.
Analyst projections of the future price of Qfin stock.
Bulls say / Bears say
Qfin ended Q2 with about RMB10.6 billion in cash and short-term investments and generated RMB1.1 billion of operating cash flow. It also declared a US$0.46 per ADS interim dividend and has continued to return capital through buybacks, giving investors financial support while the sector contracts. (Nasdaq)
Credit indicators improved in Q2 despite the difficult market: 90-day delinquency fell to 2.83% from 3.5%, the 30-day collection rate rose to 88.1%, and C-M2 declined to 0.66%. Tighter underwriting and a better user mix could leave Qfin better positioned than weaker competitors when funding conditions normalise. (Nasdaq, EarningsIQ)
The technology-solutions business is becoming a meaningful diversification route: Q2 loan volume linked to it rose 515% year on year to RMB10.5 billion, while the company signed two new AI-agent projects with banks. Scaling bank technology services could reduce Qfin’s dependence on capital-heavy consumer lending over time. (Insider Monkey)
Qfin’s core business has sharply deteriorated: Q2 revenue fell 31.6% year on year, non-GAAP net income dropped to RMB454.9 million from RMB1.85 billion, and loan volume declined 25.1%. Management expects Q3 non-GAAP net income to fall a further 67% to 73% year on year. (Nasdaq, Caixin Global)
New Chinese rules are squeezing the economics of online lending by capping total borrowing costs, requiring clearer cost disclosure and tightening banks’ relationships with third-party platforms. The wider industry contraction suggests Qfin’s lower volumes and pricing pressure are structural risks, not merely a one-quarter setback. (Caixin Global)
The late-June liquidity shock has pushed funding costs higher and weakened collections capacity. Management said external funding costs rose about 25 basis points in July and August, while early August risk indicators worsened and restoring C-M2 may take two to three quarters, leaving room for further provisions and profit pressure. (Equibles, Markets Daily)
Data summarised monthly by Lightyear AI. Last updated on 22 Sept 2026.
Qfin Financial Performance
Revenues and expenses
Qfin Earnings Performance
Company profitability
Upcoming events
No upcoming events
Qfin News
AllArticlesVideos
QFIN CLASS ACTION NOTICE: Faruqi & Faruqi, LLP Reminds Qfin Holdings (QFIN) Investors of Securities Class Action Lawsuit Deadline on November 30, 2026
Newsfile Corp10 hours ago
ROSEN, GLOBAL INVESTOR COUNSEL, Encourages Qfin Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action - QFIN
Newsfile Corp23 hours ago
Kaplan Fox Alerts Investors of Qfin Holdings, Inc. (QFIN) with Significant Losses to a Securities Class Action Deadline on November 27, 2026
Newsfile Corp1 day ago
Funds containing Qfin
AllUSDGBPEUR
Fund name | Fund size | $QFIN weighting |
|---|---|---|
iShares Emerging Markets Dividend$IEDY | $1.5B | 0.22% |
iShares Emerging Markets Dividend£SEDY | £1.1B | 0.22% |
Amundi Prime All Country World€WEBN | €3.2B | 0.00% |
SPDR MSCI All Country World IM€SPYI | €7.5B | 0.00% |
iShares Core MSCI Emerging Markets IMI$EIMI | $46B | 0.00% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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